Allows us to better understand your problem
Sleep through the nightFall asleep fasterSleep without pills.jpg)
The landscape of sleep medicine has transformed dramatically, with most insurance plans now covering telemedicine visits for sleep disorders. This shift has made evidence-based sleep care accessible to millions of Americans who previously faced barriers to treatment, from long wait times to geographic limitations.
The integration of insurance coverage with telehealth sleep services represents a critical advancement in addressing the sleep crisis affecting nearly one-third of American adults. With chronic sleep disorders linked to increased risks of heart disease, diabetes, and mental health conditions, insurers have recognized the value of making sleep care more accessible and affordable.
Sleep Reset stands out as the most comprehensive insurance-covered virtual sleep platform, combining proprietary CBT-I technology with full clinical services. The platform is covered by major insurance plans in over 40 states in the United States, with their CBT-I program covered by insurance when meeting with clinicians.
Sleep Reset has achieved remarkable insurance integration. Illinois residents can access the comprehensive, medication-free sleep program for as little as $0 out-of-pocket, with similar coverage expanding to other states. The platform accepts HSA/FSA payments and provides superbills for out-of-network reimbursement for international patients.
The program was developed in collaboration with sleep researchers from Stanford and Yale, delivering a clinically validated CBT-I protocol that has demonstrated:
Beyond CBT-I, Sleep Reset operates as a full virtual sleep clinic with:
SLIIIP has established itself as a leading virtual sleep clinic with exceptional insurance coverage and patient satisfaction. The platform accepts coverage from most major insurance plans, including Medicare and Tricare, though they are not credentialed with Medicaid.
SLIIIP's credentials are impressive:
The platform treats a wide range of conditions including:
Ognomy Sleep, through its partnership with ResMed, offers a streamlined pathway from diagnosis to treatment with broad insurance coverage. Most major insurance plans are accepted, including Medicare, with self-pay options available and first appointments typically scheduled within a week.
Ognomy accepts major insurers including Aetna, Anthem BlueCross BlueShield, United Healthcare, Cigna, and Humana, though Federal Health Care Programs beneficiaries including Medicare Advantage, Medicaid, Tricare and VA are not supported through this partnership.
The Ognomy-ResMed partnership provides:
BlueSleep offers comprehensive sleep care with strong insurance coverage across multiple states. The clinic accepts most insurances including Aetna, Cigna, Oxford, United, Blue Cross, GHI, and Medicare.
Home sleep tests are covered by insurance only when prescribed by a health care provider and when necessary due to a high suspicion of sleep apnea. BlueSleep handles pre-authorization and communicates coverage details before treatment begins.
GEM Sleep has rapidly expanded its insurance coverage to improve accessibility. The platform is in-network with major insurance plans including Blue Cross Blue Shield PPO (coverage varies by state), Cigna Healthcare, UnitedHealthcare, Aetna, and Anthem, making services HSA/FSA eligible.
Somryst represents the first FDA-cleared prescription digital therapeutic for chronic insomnia, with expanding insurance coverage. The platform has been added to formularies including Serve You Rx and OptumRx, with coverage administered as a standard pharmacy benefit for qualifying members.
Key features:
Sleepio has gained traction through employer benefits programs. Through a strategic collaboration with CVS Caremark, Sleepio is offered to employer and insurance plan clients, allowing digital therapeutics to be billed through the pharmacy benefit manager similar to prescription drugs.
Coverage highlights:
Aetna covers oral appliances when AHI is 15-30, AHI 5-15 with documented symptoms, or AHI 30+ when CPAP cannot be tolerated. CPAP is considered first-line treatment for AHI of 15 or more.
Coverage varies by state but generally includes:
Cigna covers sleep studies for patients with evidence of daytime sleepiness and documented risk factors, including follow-up testing to ensure treatment effectiveness.
Comprehensive coverage including:
Medicare Part B covers CBT-I as a form of psychotherapy when deemed medically necessary, with a $257 deductible and 20% coinsurance after deductible is met. Traditional Medicare covers home sleep tests and CPAP therapy with proper documentation.
The expansion of insurance coverage for telehealth sleep services reflects a broader recognition of sleep medicine's importance in overall health. Federal legislation, including the proposed Access to Prescription Digital Therapeutics Act, could further expand coverage through Medicare and Medicaid, making these services accessible to even more Americans.
As clinical evidence continues to demonstrate the effectiveness of virtual sleep care—with outcomes matching or exceeding traditional in-person treatment—insurers are increasingly willing to cover these services as standard benefits rather than optional add-ons.
When selecting a telehealth sleep platform, consider:
Yes, most insurance plans cover telemedicine visits for sleep disorders, often with the same copay structure as in-person visits. Some plans even offer enhanced coverage for virtual consultations due to lower overhead costs.
Sleep Reset is covered by major insurance plans in over 50 states in the U.S., with their CBTI program covered by insurance when meeting with clinicians, or available for out-of-pocket payment using HSA/FSA or cash pay.
Yes, home sleep tests are covered by most insurance plans when prescribed by a healthcare provider for suspected sleep apnea. Coverage typically requires documentation of symptoms and medical necessity.
Medicare Part B covers CBT-I as individual and group psychotherapy with doctors or certain licensed professionals when deemed medically necessary, including through telehealth platforms.
Most platforms offer self-pay options at competitive rates, accept HSA/FSA payments, and provide superbills for out-of-network reimbursement. Self-pay rates are often 50% less than traditional sleep clinic costs.
Costs vary by plan but typically include copays ($10-50), deductibles (varies), and coinsurance (10-20% for in-network services). Some patients with comprehensive coverage pay $0 out-of-pocket.
Yes, all major telehealth sleep platforms accept HSA and FSA payments for consultations, testing, and treatment devices. These tax-advantaged funds can significantly reduce out-of-pocket costs.
Requirements vary by insurance plan. PPO plans typically don't require referrals, while HMO plans usually do. Medicare generally requires a physician's order for sleep testing and equipment.
SLIIIP, BlueSleep, and several other platforms accept traditional Medicare. However, Medicare Advantage plans and other federal programs may have different coverage rules.
Pre-authorization for sleep studies typically takes 1-3 business days. CPAP and oral appliance coverage may take 1-2 weeks for approval. Urgent cases can often be expedited.
Dr. Shiyan Yeo
Dr. Shiyan Yeo is a medical doctor with over a decade of experience treating patients with chronic conditions. She graduated from the University of Manchester with a Bachelor of Medicine and Surgery (MBChB UK) and spent several years working at the National Health Service (NHS) in the United Kingdom, several Singapore government hospitals, and private functional medicine hospitals. Dr. Yeo specializes in root cause analysis, addressing hormonal, gut health, and lifestyle factors to treat chronic conditions. Drawing from her own experiences, she is dedicated to empowering others to optimize their health. She loves traveling, exploring nature, and spending quality time with family and friends.
Fax number: (984) 888-8385
.jpg)
.jpg)
.jpg)